How Indiana disability benefit rates are estimated
TTD — Temporary Total Disability estimates a period when a worker is medically unable to work. TPD — Temporary Partial Disability estimates a wage-loss rate after returning to lower-paid work. PTD — Permanent Total Disability shows conditional arithmetic only; it never decides legal eligibility.
The weekly starting point is two-thirds of AWW, capped by the maximum for the date-of-injury schedule. TPD instead uses two-thirds of the difference between AWW and post-injury weekly earnings, never more than the TTD rate or less than zero.
The seven-day waiting period and 21-day rule
Indiana TTD periods of seven calendar days or fewer have no payable days. From 8 through 21 calendar days, the first seven are excluded. Once the period exceeds 21 days, those first seven days become payable. Partial weeks are prorated by calendar days.
TTD, TPD, PTD, and PPI are different
TTD and TPD address temporary wage loss. PTD concerns a permanent inability to carry on reasonable employment and needs individualized review. PPI addresses permanent impairment to a body part and uses a different calculation; use the Indiana PPI calculator for that estimate.
Why an actual payment may differ
A legally determined AWW, authorization of disability, changing earnings, disputed dates, prior benefit history, credits, offsets, aggregate limits, later statutory changes, and decisions by the carrier or Board can all affect payment. Do not use an estimate as a settlement or filing decision.
Frequently asked questions
How does Indiana calculate a weekly TTD rate?
The starting calculation is 66 2/3% of Average Weekly Wage, limited by the statutory maximum for the injury date. Other legal and factual issues can change an actual payment.
When does Indiana’s seven-day waiting period become payable?
A disability period of seven calendar days or fewer produces no TTD estimate. For 8 through 21 days, the first seven days are subtracted. Once disability exceeds 21 days, the first seven days become payable retroactively.
Does this calculator decide whether I qualify for PTD?
No. It provides conditional arithmetic only. Permanent total disability depends on medical, vocational, factual, and legal issues requiring individual review.